MIRA INFORM REPORT
|
Report No. : |
312477 |
|
Report Date : |
16.03.2015 |
IDENTIFICATION DETAILS
|
Name : |
KRISHNAPING MINERALS PRIVATE LIMITED |
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|
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Registered
Office : |
38, Mona Shopping Centre, J.P Road, Andheri [West], Mumbai – 400058,
Maharashtra |
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Country : |
India |
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Financials (as
on) : |
31.03.2014 |
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Date of
Incorporation : |
24.02.2007 |
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Com. Reg. No.: |
11-168134 |
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Capital Investment
/ Paid-up Capital : |
Rs. 26.584 Millions |
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|
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CIN No.: [Company Identification
No.] |
U14220MH2007PTC168134 |
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|
TAN No.: [Tax Deduction &
Collection Account No.] |
Not Available |
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PAN No.: [Permanent Account No.] |
AADCK0611M |
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Legal Form : |
Private Limited Liability Company |
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Line of Business
: |
Mining of Minerals. |
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No. of Employees
: |
Not Divulged |
RATING & COMMENTS
|
MIRA’s Rating : |
B (33) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Status : |
Moderate |
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Payment Behaviour : |
Slow but correct |
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Litigation : |
Clear |
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Comments : |
Subject is an established company having moderate track record. The company has seen drastic dip in its turnover during the financial
year 2013-14. However, trade relations are fair. Business is active. Payments are
reported to be slow but correct. The company can be considered for business dealings with some caution.
|
NOTES :
Any query related to this report can be made
on e-mail : infodept@mirainform.com
while quoting report number, name and date.
ECGC Country Risk Classification List – December 31, 2014
|
Country Name |
Previous Rating (30.09.2014) |
Current Rating (31.12.2014) |
|
India |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
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Restricted |
C2 |
|
Off-credit |
D |
EXTERNAL AGENCY RATING
|
Rating Agency Name |
CRISIL |
|
Rating |
Long term rating = BB |
|
Rating Explanation |
Inadequate credit quality and high credit
risk. |
|
Date |
February 2015 |
|
Rating Agency Name |
CRISIL |
|
Rating |
Short term rating = A4+ |
|
Rating Explanation |
Minimal degree of safety very high credit
risk. |
|
Date |
February 2015 |
RBI DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter in
the publicly available RBI Defaulters’ list.
EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of
31-03-2014.
INFORMATION DECLINED BY
|
Name : |
Mr. Sunil Baterja |
|
Designation : |
Finance Head |
|
Contact No.: |
91-22-67084894 |
|
Date : |
13.03.2015 |
LOCATIONS
|
Registered Office : |
38, Mona Shopping Centre, J.P Road, Andheri [West], Mumbai – 400058,
Maharashtra, India |
|
Tel. No. : |
91-22-22929929/ 67084894 |
|
Fax No. : |
91-22-66717410 |
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E-Mail : |
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Corporate Office : |
G-02, Vikas Centre, S.V. Road, Santacruz [West], Mumbai – 400054,
Maharashtra, India |
|
Tel. No. : |
91-22-67417667/ 74 |
|
Fax No. : |
91-22-67417669 |
|
E-Mail : |
DIRECTORS
AS ON 26.09.2014
|
Name : |
Mr. Sanjeev Ramesh Khandelwal |
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Designation : |
Director |
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Address : |
A-1001, Aster Tower, Dindoshi, Malad [East], Mumbai – 400097,
Maharashtra, India |
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Date of Birth/Age : |
02.09.1964 |
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Date of Appointment : |
24.02.2007 |
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PAN No.: |
AACPK3067H |
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DIN No. : |
00790524 |
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Other Directorship :
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|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Name : |
Mrs. Manju Ramesh Khandelwal |
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|
Designation : |
Director |
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Address : |
A-1001, Aster Tower, Dindoshi, Malad [East], Mumbai – 400097,
Maharashtra, India |
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Date of Birth/Age : |
26.01.1943 |
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Date of Appointment : |
24.02.2007 |
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PAN No.: |
AAHPK0758N |
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DIN No. : |
00790613 |
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Other Directorship :
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KEY EXECUTIVES
|
Name : |
Mr. Sunil Baterja |
|
Designation : |
Finance Head |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
AS ON 26.09.2014
|
Names of Shareholders |
No. of Shares |
Percentage of Holding |
|
Sanjeev Ramesh Khandelwal |
1004000 |
37.77 |
|
Manju Ramesh Khandelwal |
50000 |
1.88 |
|
Krishnaping Power Private Limited, India |
489370 |
18.41 |
|
Supreme Communication Limited, India |
50000 |
1.88 |
|
Cloud Nine Realtors Private Limited, India |
175000 |
6.58 |
|
Golden Beach Infracon Private Limited, India |
190000 |
7.15 |
|
Proper Buildcon Private Limited, India
|
125000 |
4.70 |
|
Westwing Developers Private Limited, India |
50000 |
1.88 |
|
Vista Landmark Private Limited, India
|
100000 |
3.76 |
|
Virtuous Buildcon Private Limited, India |
85000 |
3.20 |
|
Uniworth Real Estate Developers Private Limited, India |
340000 |
12.79 |
|
|
|
|
|
Total |
2658370 |
100.00 |
AS ON 26.09.2014
Equity Share Break up (Percentage of Total Equity)
|
Category |
Percentage of Holding |
|
Bodies corporate |
60.35 |
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Directors or relatives of Directors |
39.65 |
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|
|
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Total |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Mining of Minerals. |
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Brand Names : |
-- |
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Agencies Held : |
-- |
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Exports : |
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Products : |
Not Divulged |
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Countries : |
Not Divulged |
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Imports : |
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Products : |
Not Divulged |
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Countries : |
Not Divulged |
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Terms : |
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Selling : |
Not Divulged |
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Purchasing : |
Not Divulged |
PRODUCTION STATUS:
NOT AVAILABLE
GENERAL INFORMATION
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Suppliers : |
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Customers : |
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No. of Employees : |
Not Divulged |
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Bankers : |
· Union Bank of India Sant Tukaram Road Branch, Apeejay Surendra,, 24,Kramti Singh
Nana Patil Marg,Baroda Street, Mumbai - 400009, Maharashtra, India · Citi Bank Limited ·
IDBI Bank Limited |
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Facilities : |
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Banking
Relations : |
-- |
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Financial Institution : |
· HDB Financial Services Limited Radhika, 2nd Floor, Law Garden Road, Navrangpura,,
Ahmedabad - 380009, Gujarat, India |
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Auditors : |
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Name : |
Gupta and Neeraj Chartered Accountants |
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Address : |
Shop No.6, Darshan Building, Satya Nagar, Behind Saibaba Nagar, Borivali [West], Mumbai, Maharashtra, India |
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Income-tax
PAN of auditor or auditor's firm : |
AABPS9969D |
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Associates/Subsidiaries : |
Not Available |
CAPITAL STRUCTURE
AS ON 31.03.2014
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
5,000,000 |
Equity Shares |
Rs.10/- each |
Rs. 50.000 Millions |
|
|
|
|
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Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
2,658,370 |
Equity Shares |
Rs.10/- each |
Rs. 26.584 Millions |
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|
|
|
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
I.
EQUITY
AND LIABILITIES |
|
|
|
|
(1)Shareholders'
Funds |
|
|
|
|
(a) Share Capital |
26.584 |
26.584 |
26.584 |
|
(b) Reserves & Surplus |
175.908 |
168.849 |
165.581 |
|
(c) Money
received against share warrants |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
(2)
Share Application money pending allotment |
0.000 |
0.000 |
0.000 |
|
Total
Shareholders’ Funds (1) + (2) |
202.492 |
195.433 |
192.165 |
|
|
|
|
|
|
(3) Non-Current Liabilities |
|
|
|
|
(a) long-term borrowings |
37.016 |
65.857 |
52.623 |
|
(b) Deferred tax liabilities (Net) |
11.804 |
9.001 |
5.671 |
|
(c) Other long term
liabilities |
0.000 |
0.000 |
0.000 |
|
(d) long-term
provisions |
0.000 |
0.000 |
0.000 |
|
Total Non-current
Liabilities (3) |
48.820 |
74.858 |
58.294 |
|
|
|
|
|
|
(4) Current Liabilities |
|
|
|
|
(a) Short
term borrowings |
152.577 |
266.210 |
119.738 |
|
(b) Trade
payables |
87.992 |
337.447 |
397.007 |
|
(c) Other current
liabilities |
301.469 |
12.749 |
13.715 |
|
(d) Short-term
provisions |
0.160 |
0.175 |
1.814 |
|
Total Current
Liabilities (4) |
542.198 |
616.581 |
532.274 |
|
|
|
|
|
|
TOTAL |
793.510 |
886.872 |
782.733 |
|
|
|
|
|
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II.
ASSETS |
|
|
|
|
(1) Non-current assets |
|
|
|
|
(a) Fixed
Assets |
|
|
|
|
(i)
Tangible assets |
147.306 |
150.149 |
126.046 |
|
(ii)
Intangible Assets |
0.000 |
0.000 |
0.000 |
|
(iii)
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
(iv)
Intangible assets under development |
0.000 |
0.000 |
0.000 |
|
(b) Non-current Investments |
0.000 |
0.000 |
0.000 |
|
(c) Deferred tax assets (net) |
0.000 |
0.000 |
0.000 |
|
(d) Long-term Loan and Advances |
5.080 |
6.468 |
2.874 |
|
(e) Other Non-current
assets |
0.023 |
0.005 |
0.005 |
|
Total Non-Current
Assets |
152.409 |
156.622 |
128.925 |
|
|
|
|
|
|
(2) Current assets |
|
|
|
|
(a)
Current investments |
14.605 |
12.005 |
12.005 |
|
(b)
Inventories |
290.978 |
203.402 |
200.659 |
|
(c) Trade
receivables |
170.384 |
419.702 |
372.812 |
|
(d) Cash
and cash equivalents |
31.013 |
25.785 |
8.839 |
|
(e)
Short-term loans and advances |
10.148 |
0.286 |
7.596 |
|
(f) Other
current assets |
123.973 |
69.070 |
51.897 |
|
Total
Current Assets |
641.101 |
730.250 |
653.808 |
|
|
|
|
|
|
TOTAL |
793.510 |
886.872 |
782.733 |
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
|
|
|
|
|
|
|
|
|
INCOME |
334.786 |
2012.163 |
1755.410 |
|
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
TOTAL |
NA
|
NA
|
NA
|
|
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) BEFORE TAX |
8.472 |
8.147 |
14.395 |
|
|
|
|
|
|
|
|
|
Less |
TAX |
1.412 |
4.880 |
4.616 |
|
|
|
|
|
|
|
|
|
|
PROFIT/
(LOSS) AFTER TAX |
7.060 |
3.267 |
9.779 |
|
|
|
|
|
|
|
|
|
|
Earnings /
(Loss) Per Share (Rs.) |
2.66 |
1.23 |
3.68 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2014 |
31.03.2013 |
31.03.2012 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
1.07 |
0.92 |
1.84 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.04 |
0.04 |
0.07 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Debt/Networth) |
|
0.94 |
1.70 |
0.90 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
1.18 |
1.18 |
1.23 |
FINANCIAL ANALYSIS
[all figures are
in Rupees Millions]
DEBT EQUITY RATIO
|
Particular |
31.03.2012 |
31.03.2013 |
31.03.2014 |
|
|
(Rs.
In Millions) |
(Rs.
In Millions) |
(Rs.
In Millions) |
|
Share Capital |
26.584 |
26.584 |
26.584 |
|
Reserves & Surplus |
165.581 |
168.849 |
175.908 |
|
Net
worth |
192.165 |
195.433 |
202.492 |
|
|
|
|
|
|
long-term borrowings |
52.623 |
65.857 |
37.016 |
|
Short term borrowings |
119.738 |
266.210 |
152.577 |
|
Total
borrowings |
172.361 |
332.067 |
189.593 |
|
Debt/Equity
ratio |
0.897 |
1.699 |
0.936 |
YEAR-ON-YEAR GROWTH
|
Year
on Year Growth |
31.03.2012 |
31.03.2013 |
31.03.2014 |
|
|
(Rs.
In Millions) |
(Rs.
In Millions) |
(Rs.
In Millions) |
|
Sales |
1755.410 |
2012.163 |
334.786 |
|
|
|
14.626 |
-83.362 |
NET PROFIT MARGIN
|
Net
Profit Margin |
31.03.2012 |
31.03.2013 |
31.03.2014 |
|
|
(Rs.
In Millions) |
(Rs.
In Millions) |
(Rs.
In Millions) |
|
Sales |
1755.410 |
2012.163 |
334.786 |
|
Profit |
9.779 |
3.267 |
7.060 |
|
|
0.56% |
0.16% |
2.11% |
LOCAL AGENCY FURTHER INFORMATION
|
Sr. No. |
Check List by Info Agents |
Available in
Report (Yes / No) |
|
1] |
Year of Establishment |
Yes |
|
2] |
Locality of the firm |
Yes |
|
3] |
Constitutions of the firm |
Yes |
|
4] |
Premises details |
No |
|
5] |
Type of Business |
Yes |
|
6] |
Line of Business |
Yes |
|
7] |
Promoter's background |
Yes |
|
8] |
No. of employees |
No |
|
9] |
Name of person contacted |
Yes |
|
10] |
Designation of contact
person |
Yes |
|
11] |
Turnover of firm for last
three years |
Yes |
|
12] |
Profitability for last
three years |
Yes |
|
13] |
Reasons for variation
<> 20% |
----- |
|
14] |
Estimation for coming
financial year |
No |
|
15] |
Capital in the business |
Yes |
|
16] |
Details of sister
concerns |
No |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
No |
|
19] |
Payments terms |
No |
|
20] |
Export / Import details
(if applicable) |
No |
|
21] |
Market information |
----- |
|
22] |
Litigations that the firm
/ promoter involved in |
----- |
|
23] |
Banking Details |
Yes |
|
24] |
Banking facility details |
Yes |
|
25] |
Conduct of the banking
account |
----- |
|
26] |
Buyer visit details |
----- |
|
27] |
Financials, if provided |
Yes |
|
28] |
Incorporation details, if
applicable |
Yes |
|
29] |
Last accounts filed at
ROC |
Yes |
|
30] |
Major Shareholders, if
available |
Yes |
|
31] |
Date of Birth of
Proprietor/Partner/Director, if available |
Yes |
|
32] |
PAN of Proprietor/Partner/Director,
if available |
Yes |
|
33] |
Voter ID No of
Proprietor/Partner/Director, if available |
No |
|
34] |
External Agency Rating,
if available |
Yes |
INDEX OF CHARGES
|
S.NO. |
CHARGE ID |
DATE OF CHARGE CREATION/MODIFICATION |
CHARGE AMOUNT SECURED |
CHARGE HOLDER |
ADDRESS |
SERVICE REQUEST NUMBER (SRN) |
|
1 |
10421886 |
28/02/2013 |
2,500,000.00 |
HDB FINANCIAL SERVICES LIMITED |
RADHIKA, 2ND FLOOR, LAW GARDEN ROAD, NAVRANGPURA, AHMEDABAD, GUJARAT - 380009, INDIA |
B73785388 |
|
2 |
10421879 |
28/02/2013 |
17,500,000.00 |
HDB FINANCIAL SERVICES LIMITED |
RADHIKA, 2ND FLOOR, LAW GARDEN ROAD, NAVRANGPURA, AHMEDABAD, GUJARAT - 380009, INDIA |
B73784316 |
|
3 |
10283425 |
28/03/2011 |
50,000,000.00 |
UNION BANK OF INDIA |
SANT TUKARAM ROAD
BRANCH, APEEJAY SURENDRA 24, K |
B11502374 |
|
4 |
10263632 |
24/08/2012 * |
300,000,000.00 |
UNION BANK OF INDIA |
SANT TUKARAM ROAD BRANCH,
APEEJAY SURENDRA 24, K |
B57149205 |
|
5 |
10192486 |
24/08/2012 * |
350,000,000.00 |
UNION BANK OF INDIA |
SANT TUKARAM ROAD
BRANCH, APEEJAY SURENDRA 24, K |
B57150138 |
* Date of charge modification
UNSECURED LOANS
|
PARTICULARS |
31.03.2014 (Rs.
In Millions) |
31.03.2013 (Rs.
In Millions) |
|
LONG TERM
BORROWINGS |
|
|
|
Other loans and advances |
25.000 |
46.004 |
|
SHORT TERM
BORROWINGS |
|
|
|
Other loans and advances |
7.803 |
111.141 |
|
|
|
|
|
Total |
32.803 |
157.145 |
CHANGE OF ADDRESS
The Registered Office of the Company has been shifted from New Panvel
Cooperative Housing Society Limited, Flat No. 41, 4th Floor, Plot
No. 19, Sector No. III, New Panvel – 410206, Maharashtra, India to the present
address w.e.f.31.12.2007.
FIXED ASSETS
· Buildings
· Plant and equipment
· Factory equipments
· Other plant and equipment
· Furniture and fixtures
· Vehicles
· Motor vehicles
· Office equipment
·
Computer equipments
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
1] INFORMATION ON
DESIGNATED PARTY
No exist designating subject or any of its beneficial owners, controlling
shareholders or senior officers as terrorist or terrorist organization or whom
notice had been received that all financial transactions involving their assets
have been blocked or convicted, found guilty or against whom a judgement or
order had been entered in a proceedings for violating money-laundering,
anti-corruption or bribery or international economic or anti-terrorism sanction
laws or whose assets were seized, blocked, frozen or ordered forfeited for
violation of money laundering or international anti-terrorism laws.
2] Court Declaration :
No exist to suggest that subject is or was
the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper payments
to government officials for engaging in prohibited transactions or with
designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market survey
revealed that the amount of compensation sought by the subject is fair and
reasonable and comparable to compensation paid to others for similar services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs. 62.67 |
|
|
1 |
Rs. 93.16 |
|
Euro |
1 |
Rs. 66.42 |
INFORMATION DETAILS
|
Information
Gathered by : |
PRT |
|
|
|
|
Analysis Done by
: |
SUC |
|
|
|
|
Report Prepared
by : |
BVA |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
4 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
5 |
|
FINANCIAL
CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
4 |
|
--PROFITABILITY |
1~10 |
4 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
4 |
|
--CREDIT LINES |
1~10 |
3 |
|
--MARGINS |
-5~5 |
-- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
YES |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
NO |
|
--AFFILIATION |
YES/NO |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
DEFAULTER |
|
|
|
--RBI |
YES/NO |
NO |
|
--EPF |
YES/NO |
NO |
|
TOTAL |
|
33 |
This score serves as a reference to assess SC’s
credit risk and to set the amount of credit to be extended. It is calculated
from a composite of weighted scores obtained from each of the major sections of
this report. The assessed factors and their relative weights (as indicated
through %) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend (10%) Operational size
(10%)
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit transaction.
It has above average (strong) capability for payment of interest and
principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General unfavourable
factors will not cause fatal effect. Satisfactory capability for payment of
interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
-- |
NB |
New Business |
-- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.